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My wife and I have medical insurance through a nationally known medical
insurer. It will pay medical bills incurred overseas, but I have to pay them
first and get reimbursed upon my return. Reimbursement is never a pleasant
task and it seems easier to perform your own root canals with common
household tools. Thus, it seemed that paying $150 or so for an overseas
medical insurance policy per trip was not terribly expensive when weighed
against not having it. Then, we started to travel more often and $150 per
trip was adding up. There are a number of such insurers and they are easily
found on the net. Then a major credit card company offered a single policy
for $180 or so that covered myself and my spouse anytime we are more than
400 miles away from home. The period of coverage is one year. It covers
bills, it pays and if you need to be airlifted back to the U.S., it covers
that also. Fortunately I have not had to make a claim yet, but I feel a
little better knowing that I have the insurance in place (or at least the
right to make a claim against the insurer if need be). If I have to pay
overseas, then I use the credit card (which I use anyway) and the card
company (in theory) covers the bill as charged.
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